Help to Buy calculator
Enter the purchase price, the equity loan share and the home's current value to estimate the repayment and the interest due from year six. The calculator is coming soon.
Reviewed by David Sampson, Founder & Director · Created 20 October 2026 · Last reviewed 20 October 2026
How a Help to Buy calculator works
A Help to Buy calculator estimates what an equity loan costs from the original price, the share borrowed and the home's current value. It shows the sum needed to repay the loan in full or in part, and the interest due from the sixth year, without any credit search or personal details.
Changing the current value shows how a rise or fall in house prices changes the sum owed, because the repayment is a share of the value at the time rather than the amount first borrowed.
Choosing figures to test
The purchase price and loan share come from the original Help to Buy paperwork, and the current value is usually taken from a recent RICS valuation or local sales of similar homes. Repayments are worked out on the market value, and interest on the original loan amount, which is why both figures matter.
Testing a part repayment shows how staircasing reduces the interest from the sixth year. In England the smallest part repayment is set by Homes England, as explained on GOV.UK.
Using the results
The result is an estimate based on the figures entered. The actual repayment is set by Homes England from an independent RICS valuation, plus any interest, fees and arrears due at the time. Interest rises each April by an inflation measure, so later years cost more than the first year of interest.
Comparing the cost of keeping the loan with the cost of repaying it through a remortgage is a common next step.
Frequently asked questions
Does the calculator affect my credit score?
No. It does not search a credit file.
Is the repayment based on what I borrowed?
No. It is the same share of the home's current value.
Can it show a part repayment?
Yes, as an estimate of the sum and the lower interest that follows.
Does it include Homes England fees?
Fees can be added as figures for a fuller estimate.
Does it work for Help to Buy Wales?
As an estimate, using the share borrowed and the current value.
Will the actual figure match?
Not exactly. Homes England uses a RICS valuation and adds interest and fees due.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify details directly and seek independent advice before making financial decisions.